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CoverageForm 410-K10-Q8-K13D13G13F

FAF · First American Financial Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · FAF

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$7.45B$6.13B$6.00B$7.61B$9.22B$7.09B
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses$6.63B$5.96B$5.73B$7.28B$7.58B$6.16B
D&A$216.20M$207.40M$188.50M$167.00M$158.00M$148.98M
Operating Income$826.20M$165.40M$274.40M$326.00M$1.64B$923.27M
Interest Expense$157.00M$149.60M$132.50M$93.00M$72.00M$57.47M
Income Tax$201.00M$32.80M$58.90M$61.00M$393.00M$222.77M
Net Income$621.80M$131.10M$216.80M$263.00M$1.24B$696.43M
EPS - Basic$6.02$1.26$2.08$2.46$11.18$6.18
EPS - Diluted$6.00$1.26$2.07$2.45$11.14$6.16

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$1.39B$1.72B$3.61B$1.22B$1.23B$1.28B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$16.23B$14.91B$16.80B$14.96B$16.45B$12.80B
Current Liabilities------
Long-term Debt------
Total Liabilities$10.70B$9.98B$11.94B$10.27B$10.67B$7.87B
Stockholders' Equity$5.50B$4.91B$4.85B$4.67B$5.77B$4.91B
Retained Earnings$4.01B$3.62B$3.71B$3.72B$3.68B$2.66B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$950.80M$897.50M$354.30M$780.00M$1.22B$1.08B
Investing Cash Flow($1.46B)($458.70M)$599.50M($395.00M)($3.39B)($1.42B)
Financing Cash Flow$161.20M($2.31B)$1.42B($376.00M)$2.13B$113.92M
CapEx$188.30M$218.30M$263.40M$260.00M$161.00M$114.08M
Free Cash Flow$762.50M$679.20M$90.90M$520.00M$1.06B$970.58M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin11.1%2.7%4.6%4.3%17.8%13.0%
EBITDA margin14.0%6.1%7.7%6.5%19.5%15.1%
Net margin8.3%2.1%3.6%3.5%13.5%9.8%
Free cash flow margin10.2%11.1%1.5%6.8%11.5%13.7%
FCF / Net income1.235.180.421.980.851.39
R&D / Revenue------
SG&A / Revenue------
Effective tax rate24.4%20.0%21.4%18.8%24.1%24.2%
Return on assets3.8%0.9%1.3%1.8%7.5%5.4%
Return on equity11.3%2.7%4.5%5.6%21.5%14.2%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage5.3x1.1x2.1x3.5x22.8x16.1x
Equity multiplier2.953.043.473.212.852.61
Liabilities / Assets0.660.670.710.690.650.62
Efficiency
Asset turnover0.460.410.360.510.560.55
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E10.2x49.6x31.1x21.4x7.0x8.4x
P / B1.2x1.3x1.4x1.2x1.5x1.2x
P / S0.9x1.1x1.1x0.7x0.9x0.8x
EV / EBITDA4.8x12.9x6.8x8.9x4.2x4.3x
Growth
Revenue growth (YoY)21.6%2.1%-21.1%-17.5%30.1%14.3%
Revenue CAGR (3y)-0.7%-12.7%-5.4%7.0%17.1%7.1%
Revenue CAGR (5y)1.0%-0.2%0.9%5.7%10.6%6.5%
Gross profit growth (YoY)------
Operating income growth (YoY)399.5%-39.7%-15.8%-80.1%77.8%2.0%
Net income growth (YoY)374.3%-39.5%-17.6%-78.8%78.2%-1.6%
EPS growth (YoY)376.2%-39.1%-15.5%-78.0%80.8%-1.0%
EPS CAGR (3y)34.8%-51.6%-30.5%-26.7%38.5%17.9%
EPS CAGR (5y)-0.5%-27.3%-13.2%-8.2%29.2%18.6%
FCF growth (YoY)12.3%647.2%-82.5%-50.9%9.1%20.4%
FCF CAGR (5y)-4.7%-3.4%-24.5%0.9%24.3%17.8%
Book value growth (YoY)12.0%1.2%3.9%-19.1%17.5%11.1%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$7.48B total
Title Insurance And Services$6.98B · 93.2%
Home Warranty$442.90M · 5.9%
Corporate$31.70M · 0.4%
Corporate And Eliminations$31.60M · 0.4%

Geographic

$6.98B total
US$6.45B · 92.4%
Non Us$527.50M · 7.6%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✓No share dilution
  • -Gross margin improved
  • ✓Asset turnover improved

Peer comparison

Same SIC group: Title Insurance

CompanyRevenue (last FY)Net marginROE
STC$2.92B4.0%7.0%
FNF$14.45B4.2%8.1%
DOMA---
ITIC$272.75M12.9%13.1%
ARGO---

Comparing First American Financial Corp against the 5 most active filers in the same SIC group.

Dividends

$2.19/share trailing 12 months · +1.9% YoY

Ex-datePer share
Mar 9, 2026$0.5500
Dec 8, 2025$0.5500
Sep 22, 2025$0.5500
Jun 9, 2025$0.5400
Mar 10, 2025$0.5400
Dec 9, 2024$0.5400
Sep 20, 2024$0.5400
Jun 10, 2024$0.5300
Mar 7, 2024$0.5300
Dec 7, 2023$0.5300
Sep 7, 2023$0.5300
Jun 7, 2023$0.5200
Mar 7, 2023$0.5200
Dec 7, 2022$0.5200
Sep 7, 2022$0.5200
Jun 7, 2022$0.5100
Mar 7, 2022$0.5100
Dec 7, 2021$0.5100
Sep 7, 2021$0.5100
Jun 7, 2021$0.4600
Mar 5, 2021$0.4600
Dec 7, 2020$0.4600
Sep 4, 2020$0.4400
Jun 5, 2020$0.4400